CHOICEONE FINANCIAL SVCS INC (COFS) Stock Fundamental Analysis

NASDAQ:COFS • US1703861062

29.52 USD
+0.03 (+0.1%)
At close: Feb 26, 2026
29.52 USD
0 (0%)
After Hours: 2/26/2026, 8:19:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

COFS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. COFS may be in some trouble as it scores bad on both profitability and health. COFS is not overvalued while it is showing excellent growth. This is an interesting combination. Finally COFS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year COFS was profitable.
  • In the past year COFS had a positive cash flow from operations.
  • In the past 5 years COFS has always been profitable.
  • COFS had a positive operating cash flow in 4 of the past 5 years.
COFS Yearly Net Income VS EBIT VS OCF VS FCFCOFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.50%, COFS is doing worse than 78.10% of the companies in the same industry.
  • COFS has a worse Return On Equity (4.77%) than 78.63% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 4.77%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.87%
ROE(3y)9.06%
ROE(5y)10.22%
ROIC(3y)N/A
ROIC(5y)N/A
COFS Yearly ROA, ROE, ROICCOFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • COFS has a worse Profit Margin (15.00%) than 78.10% of its industry peers.
  • In the last couple of years the Profit Margin of COFS has declined.
  • The Operating Margin and Gross Margin are not available for COFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.67%
PM growth 5Y-3.81%
GM growth 3YN/A
GM growth 5YN/A
COFS Yearly Profit, Operating, Gross MarginsCOFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • COFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for COFS has been increased compared to 1 year ago.
  • The number of shares outstanding for COFS has been increased compared to 5 years ago.
  • COFS has a better debt/assets ratio than last year.
COFS Yearly Shares OutstandingCOFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
COFS Yearly Total Debt VS Total AssetsCOFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of COFS is 1.33, which is an excellent value as it means it would take COFS, only 1.33 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.33, COFS is in line with its industry, outperforming 59.10% of the companies in the same industry.
  • A Debt/Equity ratio of 0.11 indicates that COFS is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, COFS is in the better half of the industry, outperforming 65.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.33
Altman-Z N/A
ROIC/WACCN/A
WACC11.92%
COFS Yearly LT Debt VS Equity VS FCFCOFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
COFS Yearly Current Assets VS Current LiabilitesCOFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 15.25% over the past year.
  • Measured over the past years, COFS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.52% on average per year.
  • COFS shows a strong growth in Revenue. In the last year, the Revenue has grown by 74.97%.
  • The Revenue has been growing by 20.14% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)15.25%
EPS 3Y4.36%
EPS 5Y15.52%
EPS Q2Q%16.51%
Revenue 1Y (TTM)74.97%
Revenue growth 3Y5.01%
Revenue growth 5Y20.14%
Sales Q2Q%57.97%

3.2 Future

  • COFS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.75% yearly.
  • The Revenue is expected to grow by 26.04% on average over the next years. This is a very strong growth
EPS Next Y14.43%
EPS Next 2Y5.02%
EPS Next 3Y4.75%
EPS Next 5YN/A
Revenue Next Year76.58%
Revenue Next 2Y38.49%
Revenue Next 3Y26.04%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
COFS Yearly Revenue VS EstimatesCOFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
COFS Yearly EPS VS EstimatesCOFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.08, the valuation of COFS can be described as very reasonable.
  • COFS's Price/Earnings ratio is rather cheap when compared to the industry. COFS is cheaper than 89.45% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of COFS to the average of the S&P500 Index (27.21), we can say COFS is valued rather cheaply.
  • COFS is valuated reasonably with a Price/Forward Earnings ratio of 8.23.
  • 91.03% of the companies in the same industry are more expensive than COFS, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.13, COFS is valued rather cheaply.
Industry RankSector Rank
PE 9.08
Fwd PE 8.23
COFS Price Earnings VS Forward Price EarningsCOFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as COFS.
Industry RankSector Rank
P/FCF 12.21
EV/EBITDA N/A
COFS Per share dataCOFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • COFS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.63
PEG (5Y)0.59
EPS Next 2Y5.02%
EPS Next 3Y4.75%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • COFS has a Yearly Dividend Yield of 3.99%.
  • Compared to an average industry Dividend Yield of 2.74, COFS pays a better dividend. On top of this COFS pays more dividend than 82.06% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, COFS pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.99%

5.2 History

  • The dividend of COFS has a limited annual growth rate of 0.25%.
  • COFS has paid a dividend for at least 10 years, which is a reliable track record.
  • COFS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.25%
Div Incr Years13
Div Non Decr Years15
COFS Yearly Dividends per shareCOFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 70.39% of the earnings are spent on dividend by COFS. This is not a sustainable payout ratio.
  • The dividend of COFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP70.39%
EPS Next 2Y5.02%
EPS Next 3Y4.75%
COFS Yearly Income VS Free CF VS DividendCOFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
COFS Dividend Payout.COFS Dividend Payout, showing the Payout Ratio.COFS Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CHOICEONE FINANCIAL SVCS INC

NASDAQ:COFS (2/26/2026, 8:19:03 PM)

After market: 29.52 0 (0%)

29.52

+0.03 (+0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-28
Inst Owners43.61%
Inst Owner Change-7.98%
Ins Owners5.55%
Ins Owner Change-0.72%
Market Cap442.80M
Revenue(TTM)161.74M
Net Income(TTM)21.47M
Analysts80
Price Target34.68 (17.48%)
Short Float %1.32%
Short Ratio1.68
Dividend
Industry RankSector Rank
Dividend Yield 3.99%
Yearly Dividend1.09
Dividend Growth(5Y)0.25%
DP70.39%
Div Incr Years13
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.54%
Min EPS beat(2)10.71%
Max EPS beat(2)14.38%
EPS beat(4)3
Avg EPS beat(4)6.77%
Min EPS beat(4)-6.12%
Max EPS beat(4)14.38%
EPS beat(8)7
Avg EPS beat(8)10.26%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.68%
Min Revenue beat(2)1.29%
Max Revenue beat(2)4.07%
Revenue beat(4)2
Avg Revenue beat(4)0.27%
Min Revenue beat(4)-3.71%
Max Revenue beat(4)4.07%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.77%
PT rev (3m)-3.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)1.62%
Valuation
Industry RankSector Rank
PE 9.08
Fwd PE 8.23
P/S 3.09
P/FCF 12.21
P/OCF 10.69
P/B 0.98
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.25
EY11.01%
EPS(NY)3.58
Fwd EY12.14%
FCF(TTM)2.42
FCFY8.19%
OCF(TTM)2.76
OCFY9.36%
SpS9.54
BVpS29.97
TBVpS19.41
PEG (NY)0.63
PEG (5Y)0.59
Graham Number46.82
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 4.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15%
GM N/A
FCFM 25.33%
ROA(3y)0.82%
ROA(5y)0.87%
ROE(3y)9.06%
ROE(5y)10.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.67%
PM growth 5Y-3.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.33
Debt/EBITDA N/A
Cap/Depr 29.17%
Cap/Sales 3.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 168.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.92%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.25%
EPS 3Y4.36%
EPS 5Y15.52%
EPS Q2Q%16.51%
EPS Next Y14.43%
EPS Next 2Y5.02%
EPS Next 3Y4.75%
EPS Next 5YN/A
Revenue 1Y (TTM)74.97%
Revenue growth 3Y5.01%
Revenue growth 5Y20.14%
Sales Q2Q%57.97%
Revenue Next Year76.58%
Revenue Next 2Y38.49%
Revenue Next 3Y26.04%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y194.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y192.72%
OCF growth 3YN/A
OCF growth 5YN/A

CHOICEONE FINANCIAL SVCS INC / COFS FAQ

Can you provide the ChartMill fundamental rating for CHOICEONE FINANCIAL SVCS INC?

ChartMill assigns a fundamental rating of 5 / 10 to COFS.


What is the valuation status of CHOICEONE FINANCIAL SVCS INC (COFS) stock?

ChartMill assigns a valuation rating of 6 / 10 to CHOICEONE FINANCIAL SVCS INC (COFS). This can be considered as Fairly Valued.


Can you provide the profitability details for CHOICEONE FINANCIAL SVCS INC?

CHOICEONE FINANCIAL SVCS INC (COFS) has a profitability rating of 2 / 10.


What is the valuation of CHOICEONE FINANCIAL SVCS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CHOICEONE FINANCIAL SVCS INC (COFS) is 9.08 and the Price/Book (PB) ratio is 0.98.


What is the earnings growth outlook for CHOICEONE FINANCIAL SVCS INC?

The Earnings per Share (EPS) of CHOICEONE FINANCIAL SVCS INC (COFS) is expected to grow by 14.43% in the next year.